Where’s the line between a legitimate auto injury and insurance fraud? Louisiana has the highest car insurance rates and the highest rate of injury claims. Do you think most of the claims are legit or bogus? The average auto insurance rate is $2,699 per year; the national average is a little more than $1,500. Louisiana also has the highest frequency of bodily injury claims. Have you ever been in an accident? Were claims of injuries made? Were they legitimate or not? This hours guest: Melissa landry - Executive Director, Louisiana Lawsuit Abuse Watch